IMG Global Medical Insurance With Coverage Area Options
The GlobalFusion plan is a long-term, annually renewable, international private medical insurance plan designed for people living or working abroad. It is unique among IMG's global medical plans because it allows subscribers to limit their areas of coverage to Europe only, as well as offering a worldwide option. The plan also offers a number of other customization opportunities, including add-on modules for dental and vision, sports, maternity coverage and many other needs. It also offers tailored payment plans to suit your budget and your schedule. IMG Europe GlobalFusion is a flexible medical plan for expatriates, individuals, and families.
The GlobalFusion plan is a long-term, annually renewable, international private medical insurance plan designed for people living or working abroad. It is unique among IMG's global medical plans because it allows subscribers to limit their areas of coverage to Europe only, as well as offering a worldwide option. The plan also offers a number of other customization opportunities, including add-on modules for dental and vision, sports, maternity coverage and many other needs. It also offers tailored payment plans to suit your budget and your schedule. IMG Europe GlobalFusion is a flexible medical plan for expatriates, individuals, and families.
IMG GlobalFusion Highlights
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IMG GlobalFusion Benefits
IMG has multiple plan options that are designed to suit your lifestyle and your budget.
- Bronze plan: The most affordable plan designed for healthy younger adults who are seeking coverage for their most essential needs.
- Silver plan: Medical coverage for the budget-conscious consumer and those planning to receive their care in countries with a lower medical cost. Silver offers a wide range of scheduled benefits equipped to meet your essential needs.
- Gold Plus plan option: A comprehensive major medical plan designed for people who need long-term coverage. Benefit levels continue beyond year three as long as the coverage remains in effect.
IMG GlobalFusion Detailed Benefits Table
| Bronze | Silver | Gold Plus | |
|---|---|---|---|
| Lifetime Maximum Limit Per Individual Insured Person | $2,500,000 / £1,375,000 / €1,675,000 | $5,000,000 / £2,750,000 / €3,350,000 | $5,000,000 / £2,750,000 / €3,350,000 |
| Bronze | Silver | Gold Plus | |
|---|---|---|---|
| Annual Excess Options - Per Insured Person, Per Period of Insurancen | Nil $250 to $10,000 / £138 to £5,500 / €168 to €6,700 50% waived (up to a maximum reduction of $2,500 / £1,375 / €1,675) for: USA PPO Out-Patient & Emergency In-Patient Treatment & Non-Emergency In-Patient USA Medical Concierge Provider Treatment | Nil $250 to $10,000 / £138 to £5,500 / €168 to €6,700 50% waived (up to a maximum reduction of $2,500 / £1,375 / €1,675) for: USA PPO Out-Patient & Emergency In-Patient Treatment & Non-Emergency In-Patient USA Medical Concierge Provider Treatment | Nil $250 to $10,000 / £138 to £5,500 / €168 to €6,700 50% waived (up to a maximum reduction of $2,500 / £1,375 / €1,675) for: USA PPO Out-Patient & Emergency In-Patient Treatment & Non-Emergency In-Patient USA Medical Concierge Provider Treatment |
| Family Maximum Annual Excesses | 3 x Individual Annual Excess | 3 x Individual Annual Excess | 3 x Individual Annual Excess |
| Annual Excess Carry Forward - If prior Annual Excess not met, then last 30 days Expenses from the previous Period of Insurance are carried forward and applied towards satisfying the Annual Excess for the next Period of Insurance | YES | YES | YES |
| Co-Insurance within the USA & Canada PPO Network | No Co-Insurance | No Co-Insurance | No Co-Insurance |
| Co-Insurance outside the USA & Canada | No Co-Insurance | No Co-Insurance | No Co-Insurance |
| Co-Insurance Payable by Insured inside the USA & Canada – When treatment is taken outside the USA & Canada PPO Network* – (*No Co-Insurance for Non-Emergency In-Patient Treatment when utilising a USA Medical Concierge Provider) | 20% of the next $5,000 / £2,750 / €3,350 / eligible expenses after the Annual Excess, then No Co-Insurance to the overall maximum per Period of Insurance | 20% of the next $5,000 / £2,750 / €3,350 / eligible expenses after the Annual Excess, then No Co-Insurance to the overall maximum per Period of Insurance | 20% of the next $5,000 / £2,750 / €3,350 / eligible expenses after the Annual Excess, then No Co-Insurance to the overall maximum per Period of Insurance |
| Bronze | Silver | Gold Plus | |
|---|---|---|---|
| Surgery, Surgeons, Consultants, Second Surgical Opinion, Medical Practitioners, Nurses, Treatment, Services and Supplies routinely provided and Ancillary Charges | Full Cover | Full Cover | Full Cover |
| Hospitalisation/Room & Board | Full Cover | Up to $600 / £350 /€400 per day 240 day Maximum | Full Cover |
| Intensive Care Unit | Full Cover | Up to $1,500 / £850 / €1,000 per day – 180 day per event | Full Cover |
| Anaesthetist’s Charges associated with Surgery | Full Cover | 20% of Surgery Benefit | Full Cover |
| Diagnostic Tests and Procedures, X-Rays, Pathology, & MRI/CT Scans | Full Cover | Full Cover | Full Cover |
| Prescribed Drugs, Dressings and Durable Medical Equipment | Full Cover | Full Cover | Full Cover |
| Reconstructive Surgery-following an accident or following surgery for an eligible condition | Full Cover | Full Cover | Full Cover |
| Cancer Tests, Drugs, Treatment and Consultants, including cover for Chemotherapy and Radiotherapy | Full Cover | Full Cover | Full Cover |
| Physiotherapy | Full Cover | Full Cover | Full Cover |
| Parental Hospital Accommodation | Full Cover | Full Cover | Full Cover |
| Prosthetic Devices | Full Cover | Full Cover | Full Cover |
| Transplants | $250,000 / £137,500 / €167,500 Per Transplant | $250,000 / £137,500 / €167,500 Per Transplant | $1,000,000 / £550,000 / €670,000 Lifetime Limit |
| State Hospital Cash Benefit | $300 / £165 / €200 Per Night 60 nights | $300 / £165 / €200 Per Night 60 nights | $300 / £165 / €200 Per Night 60 nights |
| Terrorism Coverage | $10,000 / £5,500 / €6,700 Lifetime Limit | $10,000 / £5,500 / €6,700 Lifetime Limit | $10,000 / £5,500 / €6,700 Lifetime Limit |
| Bronze | Silver | Gold Plus | |
|---|---|---|---|
| Out-Patient including: Family Doctor, Treatment and Referrals, Specialists and Consultants, X-Rays, Pathology, Diagnostic Tests and Procedures *not dependent upon admission | No Family Doctor Cover Specialists & Consultants: up to $500 / £275 / €335 following related Out-Patient Surgery or In-Patient/Day-Patient treatment: for 90 days after leaving hospital Including Pre* & Post Hospital: $250 / £140 / €170 X-Ray per Examination Maximum Limit; $300 / £165 / €200 Lab Tests per Examination Maximum Limit | FULL COVER Except: $150 / £85 / €100 Physician Charges Maximum per Visit; Hospital Charge $100 / £55 / €67 Co-Pay unless admitted; Urgent Care Facility - $25 / £15 / €20 Co-Pay; Diagnostic Lab and X-Rays limited to $5,000 / £2,750 / €3,350 per Period of Insurance | Full Cover |
| Emergency Room Illness, Waived if admitted as an In-Patient or Day-Patient (Additional $250/£138/€168 Excess if not admitted) | No Cover | Full Cover | Full Cover |
| Emergency Room Accident | No Cover | Full Cover | Full Cover |
| Supplemental Accident Benefit | No Cover | No Cover | $300 / £165 / €200 per covered accident |
| Out-Patient Surgery | Full Cover | Full Cover | Full Cover |
| MRI, CAT Scan Echocardiography, Endoscopy, Gastroscopy Colonoscopy, Cystoscopy | $600 / £330 /€400 Maximum Per Examination | $600 / £330 /€400 Maximum Per Examination | Full Cover |
| Cancer Tests, Drugs, Treatment and Consultants, including cover for Chemotherapy and Radiotherapy | Full Cover | Full Cover | Full Cover |
| Prescribed Out-Patient Drugs, Medicines, Dressings and Durable Medical Equipment | Up to $600 / £330 /€400 Following and in relation to In-Patient/Day-Patient Treatment or Out-Patient Surgery: for 90 days after leaving hospital | Full Cover | Full Cover |
| Physiotherapy, Homeopathic, Chiropractic Therapy and Osteopathic Therapy | Physiotherapy Only: Relating to In-Patient/Day-Patient Treatment, Out-Patient Surgery Up to $40 / £25 / €30 per visit 10 visit Maximum: for 90 days after leaving hospital | Up to $40 / £25 / €30 per visit 30 visit Maximum | Maximum of 1 visit per day 45 visit maximum Up to $4,000 / £2,500 / €3,000 per Period of Insurance |
| Complementary Medicine Acupuncture, Aroma Therapy, Herbal Therapy, Magnetic Therapy, Massage Therapy, Vitamin Therapy, Traditional Chinese Medicine | No Cover | No Cover | Up to $200 / £110 / €135 |
| AIDS/HIV Treatment | No Cover | No Cover | Up to $5,000 / £2,750 / €3,350 per Period of Insurance $50,000 / £27,500 / €33,500 Lifetime Limit |
| Home Nursing Care | 30 Days Limit: Up to $150 / £85/ €100 per visit | 30 Days Limit: Up to $150 / £85/ €100 per visit | 45 Days Limit: Up to $150 / £85/ €100 per visit |
| Rehabilitation | No Cover | No Cover | Full Cover Up to 90 Days |
| Hospice Care | No Cover | No Cover | Full Cover Up to 180 Days |
| Adult Wellness and Health Check - includes Hearing Test, Sight Test and Vaccinations/Inoculations (Not subject to Annual Excess or Co-Insurance) - After 12 months continuous coverage | No Cover | No Cover | Up to $250 / £140 / €170 |
| Child Wellness and Health Check (Under 18 years of age) - includes Hearing Test, Sight Test and Vaccinations/Inoculations (Not subject to Annual Excess or Co-Insurance) - After 12 months continuous coverage | No Cover | 3 visits per Period of Insurance Up to $70 / £40 / €50 per visit | Up to $200 /£110 / €135 |
| Pre-Existing Conditions -Underwriting/Coverage Options Full Medical Underwriting Option: - After 24 months continuous cover - Declared and Accepted conditions (unless otherwise excluded or terms applied as indicated otherwise in writing) - Flexible Underwriting Option available - Endorsement issued if applicable. | No Cover | Up to $5,000 / £2,750 / €3,350 $50,000 / £27,500 / €33,500 Lifetime Limit | Up to $5,000 / £2,750 / €3,350 $50,000 / £27,500 / €33,500 Lifetime Limit |
| Moratorium Enrolment & Underwriting Option - After 24 months continuous coverage: subject to 24 months without treatment, symptoms, medication or consultation - Available to insureds up to age 64 | No Cover | Full Cover | Full Cover |
| Newly Diagnosed Chronic Conditions | Covered | Covered | Covered |
| Mental/Nervous - After 12 months continuous coverage | No Cover | Out-Patient Only | Up to $10,000 / £5,500 / €6,700 $50,000 / £27,500 / €33,500 Lifetime Limit |
| Bronze | Silver | Gold Plus | |
|---|---|---|---|
| Emergency Local Ambulance | Up to $1,500 /£825 / €1000 per event Not subject to Annual Excess or Co-Insurance | Up to $1,500 /£825 / €1000 per event Not subject to Annual Excess or Co-Insurance | Full Cover |
| Emergency Evacuation and Transportation To the Nearest Suitable Hospital Facility | Up to $50,000 / £27,500 / €33,500 Not subject to Annual Excess or Co-Insurance | Up to $50,000 / £27,500 / €33,500 Not subject to Annual Excess or Co-Insurance | FULL COVER Not subject to Annual Excess or Co-Insurance |
| Accompanying Relative, Travel and Accommodation | No Cover | No Cover | $10,000 / £5,500 / €6,700 Lifetime Limit |
| Cremation/Burial or Return of Mortal Remains | $10,000 / £5,500 / €6,700 Lifetime Limit Not subject to Annual Excess or Co-Insurance | $25,000 / £13,750 / €16,750 Lifetime Limit Not subject to Annual Excess or Co-Insurance | $25,000 / £13,750 / €16,750 Lifetime Limit Not subject to Annual Excess or Co-Insurance |
| Worldwide Accident & Emergency Out of Area Coverage (USA Treatment Must Be within PPO Network) | 15 Days Maximum | 30 Days Maximum | 30 Days Maximum |
| Bronze | Silver | Gold Plus | |
|---|---|---|---|
| Emergency Dental Due to Accident | Up to $1,000 / £550 / €670 | Up to $1,000 / £550 / €670 | Full Cover |
| Emergency Dental due to Sudden Unexpected Pain To Sound Natural Teeth | No Cover | No Cover | Up to $100 / £55 / €70 |
| Bronze | Silver | Gold Plus | |
|---|---|---|---|
| Recreational Scuba | No Cover | No Cover | Full Cover |
| 24 Hour Emergency Helpline | Included | Included | Included |
For detailed information on the IMG GlobalFusion plan schedule of benefits, please see the plan brochure.
IMG GlobalFusion Optional Add-On Coverage
IMG GlobalFusion Add-On Detailed Benefits Table
| Bronze | Silver | Gold Plus | |
|---|---|---|---|
| Emergency Dental Due to Accident | Full Cover | Full Cover | Full Cover |
| Emergency Dental due to Sudden Unexpected Pain To Sound Natural Teeth | Up to $100 / £55 / €70 | Up to $100 / £55 / €70 | Up to $100 / £55 / €70 |
| Non-Emergency Dental Sections D3, D4 & D5 Combined: i) Calendar Year Maximum Sum Insured ii) Dental Annual Excess iii) Maximum Annual Excesses per Family per Calendar Year - After 6 months continuous cover | i) $750 /£425 /€500; ii) $50 / £30 / €35 iii) 2 | i) $750 /£425 /€500; ii) $50 / £30 / €35 iii) 2 | i) $750 /£425 /€500; ii) $50 / £30 / €35 iii) 2 |
| Class I Treatment: - Preventative & Diagnostic - Emergency Palliative Treatment - includes up to two dental check ups per calendar year to include scraping, cleaning and polishing - After 6 months continuous cover *Refer To Policy Wording for Full Details & Listing | 90% Coverage, Dental Annual Excess Waived | 90% Coverage, Dental Annual Excess Waived | 90% Coverage, Dental Annual Excess Waived |
| Class I Treatment: - Preventative & Diagnostic - Emergency Palliative Treatment - includes up to two dental check ups per calendar year to include scraping, cleaning and polishing - After 6 months continuous cover | 90% Coverage, Dental Annual Excess Waived | 90% Coverage, Dental Annual Excess Waived | 90% Coverage, Dental Annual Excess Waived |
| Class II Treatment: - Radiographs & X-Rays - Oral Surgery & Extractions - Routine Compound Fillings, Restorations, Re-cementing crowns, inlays and bridges & Prosthetic Repairs - Endodontics & Root Canals - Periodontics & Gum Disease - Minor Restorative Services - After 6 months continuous cover | 70% Coverage, after Dental Annual Excess | 70% Coverage, after Dental Annual Excess | 70% Coverage, after Dental Annual Excess |
| Class III Treatment: - Prosthodontic Services including: appliances, bridges, full and partial dentures that replace missing natural teeth that were extracted while the person is covered with this Plan. - Major Restorative Treatment including: Crowns, Jackets, gold-related services required when teeth can not be restored using other filling material. - After 6 months continuous cover | 50% Coverage, after Dental Annual Excess | 50% Coverage, after Dental Annual Excess | 50% Coverage, after Dental Annual Excess |
| Vision Care Not subject to Annual Excess or Co-Insurance (Benefit payable per 24 months) | Exams – up to $100 / £55 / €70 Materials – up to $150 / £85 / €100 | Exams – up to $100 / £55 / €70 Materials – up to $150 / £85 / €100 | Exams – up to $100 / £55 / €70 Materials – up to $150 / £85 / €100 |
| Bronze | Silver | Gold Plus | |
|---|---|---|---|
| Maternity - Only available to Female Insureds - After 10 months of continuous cover *All benefits reduced by 50% for births occurring in the 11th or 12th month of continuous coverage | Optional Add-On Coverage Additional Premium Applies* | Optional Add-On Coverage Additional Premium Applies* | Optional Add-On Coverage Additional Premium Applies* |
| Normal Delivery - Including Premature Birth Treatment, Pre, Post and Routine Natal Care | *Up to $5000 / £2750 /€3350 | *Up to $5000 / £2750 /€3350 | *Up to $5000 / £2750 /€3350 |
| C-Section | *Up to $7500 / £4125 / €5025 | *Up to $7500 / £4125 / €5025 | *Up to $7500 / £4125 / €5025 |
| New Born Baby Wellness - Not subject to Annual or Annual Maternity Excess or Co-Insurance - for the first 12 months of life | $200 /£110 / €134 | $200 /£110 / €134 | $200 /£110 / €134 |
| Cover for New Borns including non-hereditary birth defects and congenital abnormalities | *Up to $250,000 / £137,500 / €167,500 for the first 31 days | *Up to $250,000 / £137,500 / €167,500 for the first 31 days | *Up to $250,000 / £137,500 / €167,500 for the first 31 days |
| (Upon selection at initial Application and subject to additional premium) | Bronze | Silver | Gold Plus |
|---|---|---|---|
| Sports Coverage* Coverage Add-On i) Listed Extreme Sports ii) Amateur Sports *Non-Professional (Gold Plus Plan Only) | Not Applicable | Not Applicable | i) $25,000 / £13,750 / €16,750 Lifetime Limits ii) $10,000 / £5,500 / €6,700 Lifetime Limit |
| Global Daily Indemnity Benefit Payable per Day per Unit | $100/day $25,000 Lifetime Limit | ||
For detailed information on the IMG GlobalFusion plan optional add-on benefits, please see the plan brochure.
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How Much Does IMG GlobalFusion Cost?
The best way to determine your IMG GlobalFusion International Health Insurance Plan cost is to contact one of our agents to request a quote. GlobalFusion health insurance plan premiums can vary greatly based on which plan you choose, your area of cover, your age, and the number of people who will be on your plan.
IMG Global Fusion Eligibility
The IMG GlobalFusion Medical Plan is available to U.S. citizens and non-U.S. citizens from the age of 14 days up to 74 years. Your GlobalFusion plan will automatically terminate upon your 75th birthday. If you are enrolled in the GlobalFusion plan by your 65th birthday and maintain continuous cover to age 75, lifetime medical cover is available.
U.S. citizens who subscribe to the plan must already live abroad or plan to move abroad by the effective date of their policy. U.S. citizens must also live abroad for at least six of the 12 months covered by the policy. Non-U.S. citizens can live anywhere in the world but may have eligibility restrictions in the USA.
IMG Global Fusion Medical Insurance FAQ
The GlobalFusion plan covers COVID-19, with some limitations. If you travel while your country of residence or destination country has a travel warning or advisory related to COVID-19, then it is not covered. You are also required to follow local government or health department regulations regarding COVID-19 if you suspect you have contracted the illness. Please see the IMG Global page regarding COVID-19 for more detailed information.
IMG Europe is a wholly-owned subsidiary of IMG Global. Its plans are global and have unique features specific to the European market. It is based near London, U.K.
If you provide a credit or debit card to pay for your premium, the IMG GlobalFusion plan will automatically renew in order to ensure you do not have a lapse in coverage. You will be notified before your renewal date and given the option not to renew at that time.
